Winstonville at a glance
- Population: roughly 139 people; 282nd of 299 places in Mississippi (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 152 residents here (US Census Bureau).
- 2020 to 2023 change: a loss of about 8.6% since the 2020 count (US Census Bureau).
- Rank among Mississippi places: 282nd of 299 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 6% of Mississippi's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 33.9123, -90.7529 by the US Census Bureau Gazetteer.
- Nearest larger cities: Mound Bayou, MS (3 mi); Shelby, MS (3 mi); Merigold, MS (5 mi); Duncan, MS (9 mi); Renova, MS (9 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Alligator, MS (12 mi); Doddsville, MS (22 mi); Reed, AR (42 mi) — US Census Bureau populations.
What a personal loan costs in Winstonville
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Mississippi lending rules that apply in Winstonville
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| Payday lending status | Legal and licensed — check cashers (delayed-deposit/payday transactions) are licensed consumer-finance industries regulated by DBCF (Miss. Code § 75-67-501 et seq.) Source says: "These industries include Money Transmitter, Small Loan, Check Cashers, Pawnbroker, Title Pledge, Consumer Loan Broker" | Mississippi Department of Banking and Consumer Finance as of 2026-09-16 |
| Small-loan / installment lender licensing | Small loan license required (Small Loan Regulatory Law; Miss. Code § 75-67-105) Source says: "No person shall engage in the business of lending money ... without being the holder of a valid and subsisting license" | Mississippi Department of Banking and Consumer Finance as of 2026-09-16 |
| State lending regulator | Mississippi Department of Banking and Consumer Finance (DBCF) Source says: "The Mississippi Department of Banking and Consumer Finance's (DBCF) mission is to regulate, supervise and safeguard financial institutions chartered and licensed in Mississippi" | Mississippi Department of Banking and Consumer Finance as of 2026-09-16 |
| Delayed-deposit (payday) fee caps | $20 per $100 advanced on checks ≤$250; $21.95 per $100 on checks over $250 (DBCF rule) Source says: "Delayed deposit transaction: $20.00 per $100.00 advanced for checks $250.00 and under" | Mississippi Secretary of State (DBCF administrative regulations) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | See the latest published figure value_text left null: the maximum finance charge for licensed small-loan lenders is set by Miss. Code § 75-17-21, which § 75-67-119 references as the limit; no retrievable official page published the current figure for direct verification. | Mississippi Department of Banking and Consumer Finance as of 2026-09-16 |
How to compare offers in Winstonville
The order below is a sensible way to approach a loan in Winstonville:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Mississippi using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.